Auto-Fill from FDIC Data
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Low Risk
Well-positioned for independence
LowModerateElevatedHighCritical
Quantitative Metrics
Source from FDIC call reports at banks.data.fdic.gov — blue-highlighted fields were auto-filled
Qualitative Factors
Check all that apply based on your knowledge of the institution
Quantitative Score
0 / 80
0 of 8 metrics entered
Qualitative Score
0 / 53
0 of 8 factors flagged
Metric Breakdown
MetricValueRatingScore
Qualitative Factors Flagged

How to Interpret

70%+ Critical Expect acquisition or regulatory action within 6–12 months
50–69% High Risk Likely acquisition target, probably receiving interest now
35–49% Elevated Showing stress — monitor for deterioration each quarter
20–34% Moderate Some risk factors but fundamentally stable
Below 20% Low Risk Well-positioned — could be an acquirer itself
Important: This model uses publicly available benchmarks and is not financial advice. Internal factors (board dynamics, succession planning, regulatory conversations) are often the deciding factors. Supplement with direct institutional knowledge.

Where to Source the Data

FDIC BankFind Suite — banks.data.fdic.gov — Individual bank call report data
FFIEC CDR — cdr.ffiec.gov — Uniform Bank Performance Reports
S&P Global Market Intelligence — Comprehensive financials (subscription)
FRED (KC Fed) — fred.stlouisfed.org — Industry aggregate benchmarks
v1.1 · Community Bank Vulnerability Scoring Model · SouthState Correspondent